Life Insurance & Annuities

Online Insurance Concepts

Mutual of Omaha Life insurance Company

Mutual of Omaha is a privately held Fortune 500 mutual insurance and financial services company based in Omaha, Nebraska. Mutual of Omaha is a full-service, multi-line organization providing insurance, banking and financial products for individuals, businesses and groups throughout the United States.Mutual of Omaha Life Insurance Company is an A+ Superior Rated Insurance Company according to AM Best.Our Products with Mutual of Omaha Life insurance are offered through United of Omaha Life Insurance company, a National Brokerage Company. Since 1926 United of Omaha has been helping clients with competitive insurance products.

Simplified Issue Products offered by Mutual of Omaha

Term Life Express: 10, 15, 20 and 30 year terms. $25,000-$400,000 face amounts available. Return of Premium option available. Renewable to age 100.

Transamerica Life Insurance Company

The Transamerica Corporation is an American holding company for various life insurance companies and investment firms doing business primarily in the United States, offering life and supplemental health insurance, investments, and retirement services. The company’s main offices are in Baltimore, Maryland and Cedar Rapids, Iowa, with affiliated offices located throughout the United States. In 1999, it became a subsidiary of Aegon, a European financial services company headquartered in The Hague, Netherlands.

Tranasamerica products we offer:

Transamerica Solutions Final Expense is one of the most affordable plans in the industry .We offer 3 products:

Note - Product details may vary by state. See Product Guides for Rider availability. Check ANI website for current information before quoting to client

Address: Transamerica Insurance & Investment Group

4333 Edgewood Rd. NE

Cedar Rapids, IA 52499

Website: www.transamerica.com

S&P: AA-

* A.M. Best: A+ (Superior)

BBB: A+

United Home Life Insurance Company

For more than 70 Years United Home Life Insurance Company has been helping clients with simplified No Exam life insurance products. A.M. Best, a leading independent analyst of the insurance industry since 1899, has assigned a financial strength rating of A- (Excellent) to United Home Life, and a financial strength rating of A (Excellent) to United Farm Family Life. These are the fourth and third highest ratings, respectively, out of 16 ratings.Combined, They have more than $2 billion in assets, and over $20 billion of life insurance in force, so they are solidly positioned to meet the promises they've made.This provides our clients confidence and peace of mind when the need for the insurance arrives.

Simplified Products issued by United Home Life

Express Issue Whole life insurance is insurance for your whole life. Our life products are permanent plans of insurance with a guaranteed death benefit and cash value.There are 3 plans: Premier,Deluxe and Express issue Whole Life. Each comes with these guarantees:

- A death benefit guaranteed never to go down.- Premiums guaranteed never to go up.- Cash value that grows over time, so long as premiums are paid.

Straight term life insurance provides a defined amount of coverage for a defined premium amount for a defined period of time, such as a “term” of 20 years. Our simplified term portfolio includes:​Simple Term 20, ​Simple Term 30

​Simple Term 20 ROP . Return-of-premium (ROP) term insurance has the same features as straight term with the added flexibility of a built-in “return-of-premium” feature which provides, if all premiums have been paid, for a refund of annual premiums* at the end of the level term period. Coverage terminates if premiums are refunded. ​Any outstanding policy loan will reduce this amount. It can also provide protection to your age 95 by using the surrender value to purchase reduced paid-up ​insurance

Americo Life Insurance Company

For three generations, the owners and management of Americo have maintained a respect and passion for the insurance business. Today, Americo Financial Life and Annuity Insurance Company is the lead company in one of the largest independent, privately held insurance groups in the United States. Americo has an A (Excellent) rating from AM Best. With their vast array of No Exam Life Insurance products, Americo offers our clients wit just the right Senior Life Insurance options

Americo Life Insurance Products

Final Expense Whole Life Insurance has Guaranteed Level Premiums,Face Amounts from $2,000-$30,000, Ages 50-85,Full death benefit right away,and Accelerated Benefit Payment Rider. They offer two Final Expense products: Ultra Protector and Eagle Premier Series. These plans are very flexible with health questions, and most may qualify. With the new Electronic application, you can obtain coverage the same day with electronic signature.

No Exam Term Life Insurance is available from 18 to 75 years old, from 25,0000 to 250,000 ,with or without Return of premium. You may also add additional benefits to your Policy like: Additional insured, Disability income, critical illness, and income protection.Their term life insurance can be purchased for 10,15,20,25, and 30 years, and it is convertible to a permanent life insurance. The best part, there is no interview required.

No Exam Universal Life Insurance with Americo Life Insurance co. provides classic Universal Life, Index Universal Life and No Lapse Guarantee Universal Life from $25,000 to $100,000 without medical exam.It is the only company that offers Indexed Universal Life Insurance with Return of Premium Guarantee.

Foresters Financial Company

With more than 1 Million Members, Foresters has achieved an incredible growth in the last 10 years when they became available for for independent brokers.In addition to great Life Insurance and Final Expense products, Foresters offers its members additional benefits only a Fraternal Society can offer. Alt heir policies are "Participating", meaning, every member earns dividends when the insurance company declares surplus. With an A (Excellent) rating and a stable future , Foresters Financial provides our clients with an ample variety of insurance and financial options.

Foresters Financial Products

Plan Right Final expense insurance is a Whole Life insurance for persons between 50 and 85 years old. There is no Medical exam, and most people may qualify, depending on answers to health questions on application.The Insurance amount range is from $2,000 to $35,000 depending on age an health.

Life First Term Life Insurance can help your family to continue to meet financial obligations like mortgage payments and college tuition in the event of your unexpected death You can choose terms of 10, 20, 25 or 30 years depending on your current financial obligations and future plans. The following features may also be included with your basic coverage at no additional premium:

Common Carrier Accidental Death Rider: Provides an additional death benefit if you die of accidental injuries that occur while riding as a fare-paying passenger on a common carrier, such as a plane, bus or train.

Family Health Benefit Rider: Pays a benefit for limited family health expenses that may occur as a result of natural disasters, such as hurricanes, tornadoes and earthquakes.

Accelerated Death Benefit Rider: Provides an option to accelerate a portion of the eligible death benefit and receive a payment.

SMART Universal Life is a permanent Life Insurance plan without a medical exam up to $250,000 depending on Age and Health.SMART UL has the potential to build cash value beyond the death benefit. This “cash accumulation” portion of SMART Universal Life grows at a guaranteed minimum interest rate of 3% each year. You can even access the cash accumulated for special needs, such as buying a house, paying down a mortgage or getting married.Learn more about the features and benefits:

Provides lifetime life insurance protection

Options (known as “riders”) that offer protection for other needs, such as total disability or accidental death

Gerber Life Insurance Company

Since 1967 Gerber Life Insurance company ha been protecting family members from infancy to Adulthood with comprehensive benefits. AM best has awarded Gerber life insurance with an A (Excellent) rating. Today, Gerber Life Insurance is licensed to provide life insurance throughout the United States, Canada and Puerto Rico. They have more than $45 billion of life insurance in force and help provide financial security through over 3.3 million policies. Gerber Life has insurance products available for people at every age and every stage of life.

Gerber Life Insurance Products

Guaranteed Whole Life Plan.Whole Life Insurance can protect your family for a lifetime, as long as premiums are paid. Gerber offers this Guaranteed Whole Life insurance for persons between 50 and 80 years of age.

Coverage from $2,500 to $25,000

Simple process – no medical questions

Builds cash value

Your rate will never increase and you can be covered by insurance for your entire life, as long as premiums are paid.

Whole life insurance is more affordable than you think, with rates that can fit your budget.

Great Western Insurance Company

Great Western insurance Company has been helping funeral homes with Pre-need funeral insurance for over 30 years.They are licensed in 46 states and the District of Columbia. Great Western's financial Strength has always come from a dedication to the funeral profession. Great Western Insurance Company, located in Ogden, Utah, provides funding for pre-arranged funeral planning. Funeral pre-arrangements allow individuals the opportunity to plan their own funeral,including the selection of merchandise and services, and pay in advance. In many cases, funeral homes provide a guarantees that the family never pays more for the funeral at the time of death. With the Creation of our new Final expense insurance products, we will be able to offer these benefits and superior service to the independent agent and its clients.

Kemper Life Insurance Company

Kemper* is one of America's leading financial services providers, with over 6 million

policyholders nationwide and more than $8 billion in assets. Reserve National Insurance

Company has been providing life, accident and health insurance since 1956, and holds the

prestigious A ( excellent) rating for overall financial stability by A.M. Best Company.

●More than 6 million policyholders have their basic insurance and financial needs met by our

nationwide network of career agents and independent agents.

●With over $8 billion in assets, we employ about 7,000 associates.

●Led by a seasoned management team that values ethical behavior and no-nonsense business

results.

Simplified Issue Product offered by Kemper Senior Solutions

Guaranteed Whole Life – Kemper Senior Solutions offers an excellent product for those who

fit the unique niche of needing this type of guaranteed issue whole life insurance policy.

While it is not for everyone, there are millions of people that this product is ideal for and who

now can sleep soundly knowing their final expenses are covered. The amount you pay when

coverage begins is the same amount you will pay throughout the duration of your policy.

● Guaranteed Issue Guaranteed issue means just that—Approval is guaranteed.There are no medical exam hoops to jump through. Everyone can qualify for this product as long as you fall into the age range. That means if you have cancer, heart disease, Alzheimer’s, HIV, Parkinson’s, or some other serious disease, you will still be approved

●No Health Questions: Along with no medical exam there are no health questions when

applying for Kemper’s guaranteed issue life insurance. You are under no obligation to

divulge any of your past or present health conditions.

●Available for ages 40-80

●Face amounts range from $5,000 up to $25,000.

●Fixed Premiums

●All premiums are fixed for the life of the policy. What you lock into is what you will pay